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Asset Allocation Investing using US ETF, Basic approach to asset Allocation ETF
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kaiserwulf
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  Jun 11 2013, 07:20 AM
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+1  If buying US ETFs from here, subject to upkeeping charges. How do you deal with it? It will eat into profits yes?  QUOTE(dreamer101 @ Jun 10 2013, 06:25 AM) Folks, In this thread, I provide the basic step to step approach on how to use US ETF to do asset Asset Allocation investing. http://www.investopedia.com/terms/a/assetallocation.aspThe basic assumption here is the person has access to US brokerage and can any US stock including ETF. https://personal.vanguard.com/us/funds/snap...ntExt=INT#tab=3https://personal.vanguard.com/us/funds/snap...ntExt=INT#tab=3The ETF to be used in this illustration are VT and BND. If a person is convinced that they can time the market to buy and sell, this is not the approach that you want. This thread is for people that want a simple low maintenance approach to investing. Dreamer |
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kaiserwulf
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Jun 11 2013, 09:41 AM
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Good post. Always buy direct to keep costs low. Looks like being a US resident is not in my target for a long time. Btw, how do taxes affect you if you are US resident compared to a non? QUOTE(dreamer101 @ Jun 11 2013, 08:39 AM) jutamind, https://forum.lowyat.net/topic/2027841/+2760I use TD Ameritrade for stock trading. I am US Resident. Hence, I can invest on Vanguard directly without using ETF. You should ask people on above thread. I believe they either open the US A/C directly on line or open A/C on Etrade at Singapore. Dreamer |
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kaiserwulf
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Jun 11 2014, 11:10 AM
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what's the holding fee?
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kaiserwulf
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Jun 11 2014, 04:08 PM
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Holding fee is something the brokerage charge for using their nominee account in the US to hold your US stocks, some broker call it custody charge... my broker quote me 2 sgd per counter per month, what's urs? It may affect your real rate of return if you hold small positions over long time...
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kaiserwulf
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Jun 19 2014, 07:00 AM
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QUOTE(wodenus @ Jun 18 2014, 11:47 PM) AFAIK local accounts have no holding fees.. just like local mutual funds have no platform fees  Ofc... So how do I get a local holding account? I smell a high horse so kindly guide me. I work n stay in msia. |
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kaiserwulf
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Jun 19 2014, 01:24 PM
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QUOTE(Hapeng @ Jun 19 2014, 08:52 AM) there are none with HLe broking. held in Hong Leong's foreign account. Ic... and HL let you use the foreign account for free every month? Thanks. |
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kaiserwulf
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Aug 7 2014, 10:56 AM
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QUOTE(gark @ Jun 11 2013, 02:39 PM) For those who are interested in ETF... but worry about trading cost and 30% withholding tax ton dividends there are ways to avoid this. Buy offshore US ETF listed in SGX and HKEX, you will not be charged the 30% withholding tax since both countries have no tax on dividends. You choices are more limited, but you can still find the most of the more popular ETF's.Also a lot of broker have commission free trades on US ETF, this might be able to offset your witholding tax. Then sell your holdings before dividend and re-buy ex-dividend once the price is adjusted. Otherwise don't bother (like me) as most US ETF dividend is <3%. Or you can buy Offshore Vanguard funds , as non-US resident but the minimum purchase is $10,000. Thanks gark. Good tip. |
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kaiserwulf
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Sep 4 2014, 08:56 AM
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QUOTE(dreamer101 @ Sep 1 2014, 09:58 PM) http://finance.yahoo.com/q/bc?s=VBINX&t=my...n&z=l&q=l&c=VTIFolks, Look at the graph and compare VTI (100% US stock) versus VBINX (60% US stock / 40% US bond) Dreamer Nice chart. So if we suspect bear is near we convert from VTI to VBINX? |
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